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Chicago Firefighters Credit Union

Rates and Fees
All dividend and interest rates stated are Annual Percentage Rate (APR)

Rates effective as of 8/13/2014

Dividends Paid
Regular Shares 9/30/13 12/31/13 3/31/14 6/30/14 9/30/14**
 $25.00 - $499.99 0.00% 0.00% 0.00% 0.00% 0.00%
 $500.00 and over 0.25% 0.25% 0.25% 0.25% 0.25%

**Anticipated dividends to be paid

Share Draft (checking)
paid monthly
9/30/13 12/31/13 3/31/14 6/30/14 9/30/14**
 $500.00 and over 0.10% 0.10% 0.10% 0.10% 0.10%

**Anticipated dividends to be paid

Goal Saver*
9/30/13 12/31/13 3/31/14 6/30/14 9/30/14**
 No Minimum 0.25% 0.25% 0.25% 0.25% 0.25%

*Four withdrawals allowed per year, additional withdrawals are subject to an early withdrawal fee
** Anticipated dividends to be paid

Christmas Club* 9/30/13 12/31/13 3/31/14 6/30/14 9/30/14**
No Minimum 0.25% 0.25% 0.25% 0.25% 0.25%

*Withdrawals made prior to 9/30/14 are subject to an early withdrawal fee
**Anticipated dividends to be paid

 Certificate of Deposit* Term Minimum Balance Rate Paid at Maturity
6 Month $1,000 0.35% Renewals Only
12 Month $1,000 0.60% Closed to "new money"
*Withdrawals made prior to maturity are subject to a loss of 90 days dividend

Loan Rates
 Type
 New Vehicle - Previously Untitled, Maximum $75,000, Less than 10K miles
90% financing or 100% with GAP insurance
Auto
Truck
Motorcycle
Boat
Credit Score 36 mos. 48 mos. 60 mos. 72 mos. 84 mos.
A 700 & Up 1.25% 1.75% 2.25% 2.75% 3.25%
B 625-699 1.75% 2.25% 2.75% 3.25% 3.75%
C 550-624 2.25% 2.75% 3.25% 3.75% 4.25%
D below 550 2.75% 3.25% 3.75% 4.25% 4.75%
 Used Vehicle **Age of vehicle + term cannot exceed 10yrs **Black Bk Avg Rtl up to $50,000 Max**
Antiques- 100% of Certified Appraisal Amount
Auto
Truck
Motorcycle
Boat
Credit Score 36 mos. 48 mos. 60 mos. 72 mos. 84 mos.
A 700 & Up 1.75% 2.25% 2.75% 3.25% 3.75%
B 625-699 2.25% 2.75% 3.25% 3.75% 4.25%
C 550-624 2.75% 3.25% 3.75% 4.25% 4.75%
D below 550 3.25% 3.75% 4.25% 4.75% 5.25%
 Misc. Motor Vehicle- Non titled: Jet Skis, ATVs, Golf Carts, Snowmobiles, etc - 100% Black Book Average Retail
Credit Score 36 mos. 48 mos. 60 mos.
A 700 & Up 6.25% 6.75% 7.25%
B 625-699 7.25% 7.75% 8.25%
C 550-624 8.25% 8.75% 9.25%
D below 550 9.25% 9.75% 10.25%
  Recreational Vehicle and Older Used Vehicle - 100% Black Book Average Retail
Credit Score 36 mos. 48 mos. 60 mos. 72 mos. 84 mos. 120 mos.

A 700 & Up  3.25% 3.75% 4.25% 4.75% 5.25% 6.25%

B 625-699 3.75% 4.25% 4.75% 5.25% 5.75% 6.75%

C 550-624 4.25% 4.75% 5.25% 5.75% 6.25% 7.25%

D below 550 4.75% 5.25% 5.75% 6.25% 6.75% 7.75%
 Signature and Cosigner - Maximum $30,000 total unsecured
Credit Score 12 mos. 24 mos. 36 mos. 48 mos. 60 mos. 72 mos. 84 mos.
A 700 & Up 2.75% 4.75% 6.25% 7.75% 9.25% 10.75% 12.25%
B 625-699 4.75% 6.25% 7.75% 9.25% 10.75% 12.25 13.75%
C 550-625 6.25% 7.75% 9.25% 10.75% 12.25% 13.75% 15.25%
D below 550 7.75% 9.25% 10.75% 12.25% 13.75% 15.25% 16.75%

 Share Secured - 100% of Available Share Balance

60 mos. 120 mos.
2.25% 3.25
 Home Equity - $100 application fee, $400 processing fee (waived through 10-31-14)
Current Rate Term Loan Amount
Line of Credit - Variable Rate(Based on prime) 4.00% 120 mos 75.00%
of Available Equity
Maximum $100,000
 Visa Card - Maximum $30,0000 total unsecured
Interest
Rate
Minimum Payment
9.11% 2% of balance

Click here for Fees

All share and loan rates are subject to change at the discretion of the Board of Directors of the CFFCU, except in the instance of a previously advertised special whereby those special dates are clearly disclosed and defined.

State Regulations discourage the payment of dividends in excess of available earnings.

Your savings federally insured to at least $250,000 and backed by the full faith and credit of the United States Government.


Your savings federally insured to at least $250,000 and backed by the full faith and credit of the United States Government,
National Credit Union Administration (NCUA), a U.S. Government Agency.

    
 
2014 Chicago Firefighters Credit Union